DESCY · Checked.be

Summary

Conclusion

the dossier summarised in one paragraph

The computed 12-month bankruptcy probability of DESCY is 0.9% (low). The 2025 annual accounts show negative equity (€-8k) and a net result of €7k. Equity is growing by ~84.8% per year across the filed fiscal years. Its solvency ranks better than 5% of 4828 sector peers (fiscal year 2024). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 3 annual accounts.

Bankruptcy probability (12 mo)

Checked model v1 · free for everyone

0.9% Low

0%0,5%1,5%4%10%≥25%

Lower-failure-rate sector −Young company +Multiple establishment units +

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Signals

1 signal · with evidence

Weak solvency vs sector

Solvency (equity / total assets) is in the sector's weakest quartile: better than 5% of 4828 sector peers (2024).

View the sector comparison

Signals are derived from the filed annual accounts and the sector comparison. No composite score: each signal is separately verifiable at the source.

Filing behaviour

From the deposit records, complete market-wide

Filed after the deadline

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 30-08-2026, 30 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.

The next deadline is still running

The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.

How we compute the deadline

The year end is derived from 3 filed financial years, each closing on 31-12. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 31-12-2025, that is 31-07-2026.

Deadline per financial year

Year closed	Due by	Filed	Variance	Reference
31-12-2025	31-07-2026	30-08-2026	30 d late	2026-00454986
31-12-2024	31-07-2025	31-08-2025	31 d late	2025-00455031
31-12-2023	31-07-2024	31-08-2024	31 d late	2024-00426354

Source: the National Bank's deposit records, as we have ingested them. NOTE: our copy has a gap across June to August 2026, missing roughly 220,000 deposits; for July we hold 15,605 of about 137,000 expected. A year whose deadline falls in that window shows as not confirmed, not as not filed. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.

Trust signals

2 signals

More than 3 years active

Founded in 2022, past the statistically most fragile first 3 years.

No legal incidents

No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags

No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

Financials

TurnoverNot published (micro schema)

EBIT marginNot published (micro schema)

Net result€7k-62.4%

Working capital€-6k+61.7%

CSV export

Annual accounts & ratios

Source: NBB · 2025

Annual accounts filed on 30-08-2026 with the NBB · fiscal year 2025 · micro

Operating resultNet result

Trajectory (indicative)

Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.

growing Equity: growth of ~84.8%/year over 3 fiscal years, indicative, assuming unchanged policy.

Solid line = filed figures · dashed = extended trend · area = indicative range.

How do we compute this?

The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.

The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.

A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).

Sector comparison

Fiscal year 2024 · NACE 69, Legal & accounting · compared within the same schema type (micro schema)

Metric	This company	Sector median	Position in the sector
Solvency	-30.7%	61.0%	better than 5% of 4828 sector peers
Net result	€19k	€33k	better than 32% of 4825 sector peers
Equity	€-16k	€59k	better than 5% of 4828 sector peers
Gross operating margin	€21k	€56k	better than 17% of 4823 sector peers
Total assets	€51k	€117k	better than 18% of 4828 sector peers

Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.

EBITDA

€7k

- 23-25

Net profit

€7k

-62.4% 23-25

Cash flow

€7k

- 23-25

Total assets

€44k

-14.3% 23-25

Equity

€-8k

+46.3% 23-25

Working capital

€-6k

+61.7% 23-25

Debt

€52k

-21.9% 23-25

Debt ≤ 1y

€50k

-25.5% 23-25

Show 7 other metrics

Current ratio

0.88

+15.0% 23-25

Quick ratio

0.88

+15.0% 23-25

Solvency

-19.3%

+37.3% 23-25

Debt / equity

-6.19

-45.5% 23-25

ROE

-86.3%

+30.0% 23-25

ROA

16.6%

-56.1% 23-25

Interest coverage

349.43

- 23-25

Figures by fiscal year

Highlight YoY changes (±10%)

Fiscal year	2025
Deposit	micro
Revenue	-
EBITDA	€7k
Net profit	€7k
Cash flow	€7k
Staff costs	-
Income taxes	-
Dividends	-
Total assets	€44k
Equity	€-8k
Debt	€52k
of which ≤ 1y	€50k
of which > 1y	-
Working capital	€-6k
Employees (FTE)	-

Ratios (computed)

	2025
Current ratio	0.88
Quick ratio	0.88
Working capital ratio	-13.7%
Solvency	-19.3%
Debt / equity	-6.19
Long-term debt ratio	-
Interest coverage	349.43
Gross margin	-
Net margin	-
ROA	16.6%
ROE	-86.3%
EBITDA margin	-
Days sales outstanding	-
Days payable outstanding	-
Inventory turnover	-
Days inventory (DSI)	-

Full annual accounts (17 line items)

Filed balance sheet and income statement, exactly as deposited with the NBB.

Line item	Code	2025
Balance sheet, Assets
TOTAL ASSETS	20/58	€44k
Current assets	29/58	€44k
Amounts receivable within one year	40/41	€19k
Cash & bank	54/58	€25k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€44k
Equity	10/15	€-8k
Contributions / capital	10/11	€20k
Accumulated profits (losses)	14	€-28k
Amounts payable	17/49	€52k
Amounts payable within one year	42/48	€50k
Trade debts payable within one year	44	€15k
Income statement
Gross operating margin	9900	€9k
Operating result	9901	€7k
Financial charges	65	€21
Result before taxes	9903	€7k
Net result for the period	9904	€7k
Result to be appropriated	9905	€7k

This table shows the latest fiscal year. 2 prior years, with figures and ratios, belong to a paid plan. See plans →

Ratios computed by Checked.

Health barometer

FY 2025 · computed

13 / 100 Critical

050100

Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

The full score breakdown, per-year score history and the indicative credit limit are in Kantoor S.

See plans →

Computed by Checked from the NBB filing for FY 2025. Indicative, not credit advice.

Directors

Directors & mandates

3 directors

2 of this company's 2 Belgian State Gazette acts have not been read yet. Appointments and resignations recorded in them are missing below: a director who resigned there may therefore still show here as sitting. See the acts under Publications.

Current directors & mandates

DESCY Séverine
Director
State Gazette act 24435380 (10-10-2024)

Current
01-07-2024 → present

Former directors (2)

Marie Detroy
Director
State Gazette act 24435380 (10-10-2024)

Former
- → 30-06-2024
Tatiana André-Dumont
Director
State Gazette act 24435380 (10-10-2024)

Former
- → 30-06-2024

Full appointment history from the Belgian State Gazette. Permanent representatives are shown for corporate directors.This list is read straight from this company's published acts, not from the officer register.

Insolvency mandates

No insolvency mandates (liquidators, administrators) on record for this company.

Legal Structure

NACE primary	Overige fiscale dienstverlening(69209)
Legal form	Private limited company(610)
Incorporation	30-05-2022
Status	Active
Postal code	1330

Structure & network

Locations & real estate

Registered office

on the map · from the address register

exact location from the address register On OpenStreetMap

13 companies at this address See who is registered here

Establishment units

3 locations

DESCY

Rue Haute 50, 1330 RixensartActiviteiten van (gecertificeerde) (fiscaal) accountants

since 20222.332.588.197

DESCY

Albert-Elisabethlaan 66, 1200 Sint-Lambrechts-WoluweActiviteiten van (gecertificeerde) (fiscaal) accountants

since 20242.365.245.129

DESCY

Hertogendreef 72, 1170 Watermaal-BosvoordeActiviteiten van (gecertificeerde) (fiscaal) accountants

since 20242.365.245.228

Physical sites registered in the Crossroads Bank for Enterprises (CBE).

Parcels3

Ground area9,208 m²

Buildings3

Building footprint871 m²

Volume (LiDAR)18,887 m³

Tallest building31.4 m · ±9 fl.

Real-estate footprint

Source: CBE × cadastre · address linking

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Wallonia 1 (33.3%) Brussels 2 (66.7%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
21673D0159/00K011	Brussels	8,192 m²	1 · 614 m²	31.4 m · 9 fl.
25091C0103/00A000	Wallonia	810 m²	1 · 201 m²	12.2 m · 3 fl.
21652E0278/00M002	Brussels	206 m²	1 · 57 m²	10.4 m · 3 fl.

Methodology

via registered seat: 1 · via establishment units: 2

3 of 3 parcels with an exact address match; the rest are indicative.

Linked through address data, this is not proof of ownership.

Publications

Lifecycle & Insolvency Signals

No insolvency signals in the Belgian State Gazette

Belgisch Staatsblad · acts

1 act

All acts · 1 updated 1 year ago

2024

10-10-2024 1 director appointed, 2 resigning Director changes·Hendrikus (Hendrik) Schavemaker

DESCY Séverine, Bestuurder
Tatiana André-Dumont, Bestuurder
Marie Detroy, Bestuurder

Notary: Hendrikus (Hendrik) Schavemaker · Drogenbos

Original publication ↗

Analysis

Financial profile

5 of 5 axes measured

45 / 100

Mixed profile: strong on stability, weaker on profitability.

All 5 axes are computed from data Checked has read.

Health 13

Profitability 0

Solvency 42

Growth 78

Stability 94

Credit advice

verdict per customer and amount

Similar

Similar companies

Same sector and region

ArcqWise Consulting

BE 1029.940.060 · Rixensart

→

Bertrand Noez Consulting

BE 0749.515.337 · Rixensart

→

INTERPRIM'S

BE 0463.601.107 · Rixensart

→

Luce Petit et associés

BE 0870.658.241 · Rixensart

→

OE CONCEPT

BE 0729.802.264 · Rixensart

→

We hold no filed accounts for this company, so a size comparison is not possible. These companies share only the sector and the region. We hold annual accounts for 239 of the 2,270 companies in this sector.

See full sector →

Company registry

Company registry (CBE)

Crossroads Bank

Activities

Overige fiscale dienstverlening69209

Primary activity highlighted.

Names & trade names

Legal nameFR

DESCY

Registered office

Rue Haute 50

1330 Rixensart, Belgium

Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.